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as the chair of stark community bank in connecticut with a lecture at yale. from 2006 until 2008 he served as ceo of pay rent, alternative credit bureau, to demonstrate their credit worthiness using their rental and bill repayment history. welcome and thanks for your public service. >> members of the subcommittee, thank you for the opportunity to testify today on the consumer credit reporting industry. credit reporting plays a critical role in consumer financial lives. it can determine their eligibility for credit cards, car loans, home mortgage loans. they also affect how much consumers pay for their loans. the industry is critical and contrary economy. it permits access to credit that consumers can afford to repay without credit reporting, many consumers would not be able to get credit at all. credit reports are often used in a number of non credit positions about consumers. it can be used to determine whether the consumer is offered a job. a car or homeowner insurance, a rental housing. the cftb is the first federal government agency that supervises both consumer reporting companies and
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